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P E F

Highland Hgts, OH · Charter 12024

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

P E F

Highland Hgts, OH · Charter 12024

Q2 2013

$29.7MAssets
$14.6MLoans
$29.2MShares
$261KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -7.56%, up 706 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 7.20% of loans (+131 bps YoY).
  • Capital: net worth / assets of 0.88%, down 290 bps from a year ago.
  • Funding: loans stand at 49.78% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-7.56%+706 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-34 bps YoY

Efficiency Ratio (YTD, annualized)

135.81%+3,535 bps YoY

Net Worth / Assets

0.88%-290 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-14.63%-15.23%-12.38%-0.62%-7.56%+706 bps
Return on Equity-387%-2965%n/a-14.57%-862%-47,419 bps
Net Interest Margin3.19%3.39%3.41%2.83%2.85%-34 bps
Efficiency Ratio100.46%108.92%109.10%120.13%135.81%+3,535 bps
Growth
Asset Growth (YoY)-6.30%-11.33%-14.21%-9.01%-7.16%-86 bps
Loan Growth (YoY)-5.66%-17.68%-22.87%-23.09%-25.66%-2,000 bps
Share Growth (YoY)0.54%-1.79%-4.01%-5.20%-4.69%-523 bps
Asset Quality
Delinquent Loans / Loans5.89%9.91%11.73%10.59%7.20%+131 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.10%10.02%11.09%10.76%12.51%+641 bps
Capital
Risk-Based Capital3.77%0.51%-0.28%4.28%0.88%-290 bps
Net Worth / Assets3.77%0.51%-0.28%4.28%0.88%-290 bps
Liquidity & Funding
Loans / Shares63.83%63.62%59.63%54.23%49.78%-1,405 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps